WallStSmart

Horizon Bancorp (HBNC)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates -286986% more annual revenue ($35.53B vs $-12.38M). SLF leads profitability with a 9.5% profit margin vs 0.0%. HBNC appears more attractively valued with a PEG of 0.80. SLF earns a higher WallStSmart Score of 65/100 (B-).

HBNC

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 4.5Value: 6.0Quality: 3.5
Piotroski: 3/9Altman Z: 0.04

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HBNC4 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.5%10/10

Strong operational efficiency at 43.5%

PEG RatioValuation
0.808/10

Growing faster than its price suggests

Revenue GrowthGrowth
16.9%8/10

16.9% revenue growth

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

HBNC4 concerns · Avg: 3.3/10
EPS GrowthGrowth
3.7%4/10

3.7% earnings growth

Market CapQuality
$1.01B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : HBNC

The strongest argument for HBNC centers on Price/Book, Operating Margin, PEG Ratio. Revenue growth of 16.9% demonstrates continued momentum. PEG of 0.80 suggests the stock is reasonably priced for its growth.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : HBNC

The primary concerns for HBNC are EPS Growth, Market Cap, Profit Margin.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

HBNC profiles as a growth stock while SLF is a value play — different risk/reward profiles.

HBNC carries more volatility with a beta of 0.81 — expect wider price swings.

HBNC is growing revenue faster at 16.9% — sustainability is the question.

SLF generates stronger free cash flow (90M), providing more financial flexibility.

Bottom Line

SLF scores higher overall (65/100 vs 59/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Horizon Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Horizon Bancorp, Inc. is the banking holding company for Horizon Bank providing a range of commercial and retail banking services. The company is headquartered in Michigan City, Indiana.

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Sun Life Financial Inc.

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.

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